What's a good amount of car insurance coverage in South Dakota?

I currently have the state minimums on my vehicle and want to enhance my coverage. What should I raise my coverage levels to?

Answer provided by
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Emily Maracle
Answered on Apr 21, 2021
“Increasing your car insurance coverage is a great way to protect yourself in case of an accident. While your rates will increase due to higher levels of coverage, you can gain peace of mind by knowing your vehicle is properly insured.
Beyond state minimums, coverage amounts are based on personal preference. A general rule of thumb is to buy as much coverage as you can comfortably afford. You can never have too much insurance!
There are several types of car insurance, and knowing which ones are best for you can be difficult. Reaching out to your current insurance company is a great way to get an explanation or overview of the coverages they offer.
If your vehicle is financed, you should have full-coverage insurance. Most lenders require you to have both comprehensive coverage and collision coverage. “
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